1. Xiaoman, formerly known as Baidu Finance, is an independent operation of Baidu's financial services business group after split financing, and is a formal lending platform.
2. Du Xiaoman holds an Internet small loan license and a consumer finance license, and cooperates with banks and licensees to provide financial services.
Du Xiaoman is connected to the central bank's credit information system. According to the regulatory requirements, users' credit information needs to be inquired when granting credit, and the credit business will leave relevant records on the credit information. Having money to spend is a formal platform for borrowing money.
4. To handle the credit business in Xiaoman, it is necessary to go through systematic comprehensive evaluation and audit before approving the quota and successfully borrowing the loan. If the comprehensive evaluation of the system fails and the approval fails, it is naturally impossible to handle it.
Having money to spend is a formal platform for borrowing money. As for the conditions of micro-credit in full, they are: aged between 18 and 55, with full capacity for civil conduct; Non-college students can provide legal and valid second-generation ID cards and debit cards in their own names; Have a stable and legitimate source of economic income and the ability to repay the loan principal and interest on time; Personal credit is good and there is no bad record in the credit report.